Propertunities

20/01/2026

https://www.msn.com/en-gb/money/other/broken-housing-market-has-shut-out-1-5m-potential-buyers/ar-AA1UwHyj

Broken housing market ‘has shut out 1.5m potential buyers’

24/07/2025

Landlords have to manage all sorts of utilities depending on their contracts. So all news involving electricity, gas, and water impact their bottom line.

The owner of British Gas has called for rival Octopus Energy to be banned from taking on new customers amid an industry spat over new cash requirement rules. Chris O’Shea, the chief executive of Centrica, claimed new financial resiliency requirements were not being properly enforced as he accused ...

10/06/2025

Swap rates act as a key indicator of future borrowing costs, shaping the mortgage landscape for homeowners and investors. Hey play a crucial role in determining mortgage rates, especially for fixed-rate mortgages. Here’s how they impact borrowing costs:

• Pricing Fixed-Rate Mortgages: Lenders use swap rates to estimate the cost of securing fixed funding for a set period. If swap rates rise, lenders increase mortgage rates to maintain profitability.
• Market Expectations: Swap rates reflect market predictions about future interest rates. If financial markets expect interest rates to rise, swap rates increase, leading to higher mortgage costs.
• Volatility & Lender Decisions: When swap rates fluctuate significantly, lenders may withdraw mortgage products or pause lending until pricing stabilizes.
• Connection to SONIA: In the UK, swap rates are influenced by the Sterling Overnight Index Average (SONIA), which replaced LIBOR as the benchmark for floating-rate loans.

The swap rate is a fixed interest rate that is used to calculate payments in a derivative instrument called an interest rate swap.

01/06/2025

London has the slowest predicted growth rate over the next feew years.

Listen to article Listen to article Your browser does not support the audio element. People looking to buy a house in the UK this year and beyond, we’ve got good news and bad news. Whether your heart sinks or floats all depends on where you currently live, where you plan on purchasing a property, ...

19/11/2024

https://www.gbnews.com/money/interst-rate-cut-trump-tariff-bank-of-england

The Bank of England has begun slashing interest rates but Donald Trump's pending return to the White House could see this change in monetary policy reversed

15/01/2024

https://www.msn.com/en-gb/money/other/landlords-rush-to-incorporate-their-buy-to-lets-to-help-shelter-from-higher-interest-rates/ar-AA1mXYRJ

New figures from Hamptons found that a record 50,004 limited buy-to-let companies were set up across Britain in 2023, surpassing 2022's previous record of 48,540 by 3 per cent.

31/07/2023

Looking to sell your house. This article shares some great advice.

When is the best time to sell a house? This guide offers expert advice for selling your property for the best price in the shortest time.

24/06/2023

One of the saddest things to happen. Is when landlords and tenants with great relationships are put into difficult positions such as the current crisis.

An excerpt from this article:-

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"The Bank of England estimated in December that landlords would need to increase rental incomes by about 20% to offset the rise in buy-to-let mortgage costs expected at that time. “This would increase the cost of housing for renters, which may affect their resilience,” it warned. “This might lead them to default on unsecured credit, or cut consumption sharply, which could amplify the economic downturn.”

Highlighting how some landlords are exiting the market amid difficulty passing on higher costs to tenants, figures from the Royal Institution of Chartered Surveyors this month show almost two-thirds of surveyors have witnessed rising numbers of buy-to-let landlords looking to sell their properties."

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Landlords and their tenants have been forced into a lose-lose situation where the landlord can no longer afford the mortgage and running costs so they have to either pass the increased costs to their tenant thus losing a loyal and valuable tenant who cannot afford the increased rent or in many cases, sell the property in which case they both lose out.

Millions of renters across the UK are being squeezed by landlords passing on higher mortgage costs to their tenants, contributing to record rent increases amid the cost of living crisis. Property experts and charities warned the rapid rise in borrowing costs set by the Bank of England – which this...

19/06/2023

Knowing your market is a key component for international investors.

Statistics broken down by age group such as

the number of home owners with a mortgage
the number of home owners without a mortgage
the number of renters

are great indicators of the demand for the population in each of the areas....and if someone totally owns their own home, they might make a great angel for those requiring capital.

Read stats on the number of renters and homeowners in the UK. NimbleFins analysis of data from the English Housing Survey.

12/06/2023

08/06/2023

Flipping is a strategy used by property investors to create large amounts of cash for later investment. Compared to rental strategies, flipping properties is the fastest way to make large sums.

Flipping works best when you can get a property in an absolute dire condition and as a result is massively undervalued and when house prices are stable.

Due to the current mortgage and inflation crisis, property investors will be taking a hard look at potential gains in a declining market before they make the decision to buy and sell or else they could end up losing substantial finance in a negative equity situation.

House prices are falling but we're only at the start of the agony, with experts warning the property market could decline for another five years.

07/06/2023

One of the previous greatest mis-directions in property education advertisements was that property prices doubles every ten years.

Not only is that not true but property prices also crash just as often as property prices increase for a variety of reasons some of which are mentioned in this article.

Property investors look at long term growth and returns and will buy at the highs and lows of a property market and take steps to ensure they can manage their cash flow.

House prices suffer biggest fall since 2012 – and ‘it’s going to get worse’